WOW! So, I completely skipped the month of July, which is probably for the best. Progress puppy means progress was supposed to be had eh? It’s not awful. I’ve made progress, just not as much as I’d hoped for. Small excuses lead to big excuses and before you know it I’m back at the start. One thing I have noticed is there is a direct correlation between blogging and my attitude towards my debt. I think I kind of lost sight of the big picture. Well, not the whole picture, but my focus seems to have gone astray when it comes to discipline. So, I’m going to try my darnedest to get back to blogging regularly in hopes that it will help me get my butt back on track. Here are the magnificent numbers.

We must go down further men!

Disappointment in an array of colors….

Has anyone else picked up on the trend here? Pay,spend,pay,spend, pay, spend. Ugh. I’ve come up with a new strategy that I’m hoping will help to eliminate this tendency. If the rest of August goes like I originally planned, it should be a great step towards paying off another card, but only time will tell. On a more positive note tomorrows Friday. TGIMFF!

Debt you win this round

D

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Yea, I’m talking to you! You, who have found your way to my little place on the WWW by some form or another. Why don’t you take off your jacket and stay awhile! Click around. Read some things. We can get to know each other. Okay, well, you can get to know me. While we’re getting acquainted if I happened to cause you to think once or laugh twice why not do me a favor and let me know I’m doing something right here. Don’t worry, I won’t tell anyone if I made you laugh. I’ve got these nifty little widgets on the side here ————> that allow you to follow me, which I think you should. Email subscriptions, Facebook, and even Twitter! I’m everywhere, well almost. I know there are a million different feed options out there but chances are you must have one of those three.

If anything you can follow me to serve as that person you keep around because they make you feel better about yourself. I don’t care how I’m in your life just let me into your life. Sometimes I say some profound things, or share some opinions, but mostly I’m here because I want to help. I want to stop what happened to me from happening to you or someone you know. If I can help just one person out in this whole world I will be able to pat myself on the back.

For now, I’m just speaking to the few who have found me, and chose to stick around. Thank you to all of you. You’re the reason I write every day, well kind of, almost, every day. I slack off on the weekends. Simple acknowledgements that there are humans out there liking what I have to say is a great feeling. To my followers keep doing what you do and I’ll keep doing what I do, it’s a great relationship we have.

This is all of course counting on the fact that you like what you’re reading. If you don’t, carry on, and thanks for making my counter go up one number. 🙂

Like me damn it!

Keep on coming back for more

D

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The sergeant was nice enough to spare a couple of minutes of his time to help update you on the status of my progress. I guess the easiest place to start would be my charts. Dunt-Dunna-Na, that was supposed to be the sound trumpets make, fail.

As you can see, I am slowly making progress, getting my tax return REALLY helped. I paid off two of my cards. I know I said 3 before, and it was 3, until I charged some things to that card. -_- I’ll probably get yelled at but here is my poor excuse. This is a little tiny card credit, I mean its normal size, but the credit limit is only $400. I opened this card to stop me from spending on my other cards, which has worked. Look at the trend for my American Express and Capital cards. I pay off this card almost every month. I DO NOT recommend this because it’s not a solution. It will, and is slowing my progress down, but there are times when I really need money. I use this card for necessities, groceries being the main point. Like I mentioned before I started a vegan diet and that shit is expensive! I probably should give it up but it makes me happy. I love the way it makes me feel and I am loving the results. Poohy on me, but it’s my reasoning.

I was not completely sold on the idea of charts but now that I’ve created them I see how beneficial they really are. If you’re interested in using my template, click this link > Debt Template. Also you can find some other budget excels HERE. I highly recommend them. Number one rule, be honest with yourself. You do yourself no favors by hiding purchases here and there. Numbers can’t lie unless you’re lying to begin with. You can’t start to make progress until you accept your situation and understand you need to make some changes. If you need help getting started please look at some of my first posts where I outlined the basics for getting out of debt.

I hope for those of you in similar situations, who have been following from the beginning, that you are beginning to see some progress as well. If anyone ever has any questions, or want to know more information, or you just feel like sharing your story, please don’t hesitate to contact me. My email address is SunnyD10121@gmail.com. I will help to the best of my ability and remember no one judges you here. 🙂

Happy Muesday Everyone

I have Friday off, so its already like Tuesday for me.

D

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I was surfing the WWW yesterday for other blogs similar to mine. Basically there are none because let’s face it, I’m pretty unique. Most of these people have got their shit together though! Which is just scary because mine is all over the place. The same can be said for me as a person but as a dear friend put it, “I wouldn’t have you any other way.” While I was catching some waves I began to notice a trend, most everyone had acknowledged, in some form or another, the actual dollar amount in debt they were/are. -_- I read on one site, the blogger felt that by posting his information it gave him a sense of accountability. This is all hunky dory for some people but for me it’s a big step. No one, except my boyfriend, knows my financial standing. This is a HUGE step but I think I need to take. I don’t know if I’m necessarily ready, but I do need some more accountability. So here goes nothing, I put it in a chart for easy reading and comprehending. Plus, it made me look busy at work for .25 seconds.

I'm hoping the colors distracted you from the figures like they did for me

Insert downward trend here

Errr, that kind of makes my heart constrict but it can only get better from here. I will have my Victoria’s Secret, Express, and Chase paid off this month when I receive my tax return. That will leave me with an additional $250 to $300 to put towards the big boys. So, next time my grand total will be lower and my debt chart will not have so much width to it. Then I’ll be on the home stretch. As always, please don’t try to use this information as a weapon against me. I’m acknowledging my problems to help myself and maybe help some others. Judge if you like, but remember nobody is perfect, even the ones who think they are.